I had a step up in salary and bought a multimillion dollar home in a new state.I had just made a simple inquiry a year ago (a “what if” someone from my old home decided to sue me). There was no threat of lawsuit at all. I just wanted to know how protected Amica had me.The guy on the phone said “we can just ask underwriting”. I said, “are you sure this won’t hurt me down the road if I wanted more umbrella/home/auto coverage?” He said it would not.Well IT DID hurt me! Amica denied a step up of my umbrella coverage after that. Then when I wanted to step up my home/auto coverage to compensate for insufficient umbrella, they denied me again! I’ve been with Amica 8 years, and have never had to use the umbrella. I’ve only used the auto for a cracked windshield. I’ve never missed a payment. For my now higher salary and increased assets, I’m way under covered by Amica now!But the thing is, I have life insurance with them, and so I can’t move all my insurance to another company. (That’s how they get you to stay with them, by getting life insurance which would be too expensive to change when you’re older.)
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